SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): May 2, 2003 (April 28, 2003)
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RURBAN FINANCIAL CORP.
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(Exact name of registrant as specified in its charter)
OHIO 0-13507 34-1395608
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(State or other jurisdiction (Commission File (IRS Employer
of incorporation) Number) Identification No.)
401 Clinton Street, Defiance, Ohio 43512
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (419) 783-8950
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NOT APPLICABLE
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(Former name or former address, if changed since last report.)
Index to Exhibits is on Page 4.
ITEM 1. CHANGES IN CONTROL OF REGISTRANT.
Not Applicable.
ITEM 2. ACQUISITION OR DISPOSITION OF ASSETS.
Not applicable.
ITEM 3. BANKRUPTCY OR RECEIVERSHIP.
Not applicable.
ITEM 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT.
Not applicable.
ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE.
Not applicable.
ITEM 6. RESIGNATIONS OF REGISTRANT'S DIRECTORS.
Not applicable.
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
(a) None required.
(b) None required.
(c) Exhibits.
EXHIBIT NUMBER DESCRIPTION
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99(a) Earnings Release of Registrant
dated April 28, 2003
99(b) Excerpts from a presentation by
Kenneth A. Joyce, Chief Executive
Officer of the Registrant, at the
Annual Meeting of Shareholders of
the Registrant dated April 28, 2003
ITEM 8. CHANGE IN FISCAL YEAR.
Not Applicable.
ITEM 9. REGULATION FD DISCLOSURE.
See Earnings Release of Registrant dated April 28, 2003
attached as Exhibit 99(a) and excerpts from a presentation by
Kenneth A. Joyce, Chief Executive Officer of the Registrant,
at the Annual Meeting of Shareholders of the Registrant dated
April 28, 2003 attached as Exhibit 99(b). The earnings release
is also
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deemed to be provided under Item 12, Results of
Operations and Financial Condition, in accordance with Sec
Release Nos. 33-8216 and 34-47583.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.
RURBAN FINANCIAL CORP.
Date: May 2, 2003 By: /s/ James E. Adams
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James E. Adams, Executive
Vice President and Chief
Financial Officer
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INDEX TO EXHIBITS
EXHIBIT NUMBER DESCRIPTION PAGE NO.
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99(a) Earnings Release of the Registrant dated April *
28, 2003
99(b) Excerpts from a presentation by Kenneth A. *
Joyce, Chief Executive Officer of the
Registrant, at the Annual Meeting of
Shareholders of the Registrant dated April
28, 2003.
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*Filed herewith
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